Oh Right!!!

[tomson75]

If I wanted the money immediately I would've only received 60% of the money, not included taxes. But since I waited a year I got all of it and had almost 5,000 taken out on taxes alone.

That's pretty much what I figured. I'm expecting a healthy tax either way....but I don't have the option of taking anything out immediately. I'd have to have been an employee for 20 years.

My ESOP gets paid to me after I've been gone for five years (maybe four)....but it comes back to me as whatever rate the stock is at at THAT time, as opposed to when I leave. Right now the stock is crap....it was 27K higher three years ago, and I wasn't even fully vested then. I'm crossing my fingers that it rebounds. It has five years to do so. Thanks.